SANTA CRUZ - WATSONVILLE Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Santa Cruz - Watsonville averaged 3.14% for the week of 2021-12-02, compared to the national average of 3.11% for the same period.

The average rate for the prior week (2021-11-24) was 3.03% and one month ago for the week of 2021-10-28, the average rate was 3.47%.

Santa Cruz - Watsonville's average rate one year ago was 2.65%.

For refis of the same type during the week of 2021-12-02, the average rate was 3.23%.

Loan Type Date Rate
US 30 Year Fixed Rate 2021-12-02 3.11%
Santa Cruz - Watsonville 30 Year Fixed Rate 2021-12-02 3.14%
Santa Cruz - Watsonville 30 Year Fixed Rate Refi 2021-12-02 3.23%
Santa Cruz - Watsonville 15 Year Fixed Rate 2021-12-02 2.69%
Santa Cruz - Watsonville 15 Year Fixed Rate Refi 2021-12-02 2.24%
Santa Cruz - Watsonville 30 Year FHA 2021-12-02 3.21%
Santa Cruz - Watsonville 30 Year FHA Refi 2021-12-02 3.15%
Santa Cruz - Watsonville 30 Year USDA 2021-12-02 2.82%
Santa Cruz - Watsonville 30 Year USDA Refi 2021-12-02 3.75%
Santa Cruz - Watsonville 30 Year VA 2021-12-02 3.01%
Santa Cruz - Watsonville 30 Year VA Refi 2021-12-02 2.88%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SANTA CRUZ-WATSONVILLE, CA.

SANTA CRUZ - WATSONVILLE Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the SANTA CRUZ-WATSONVILLE, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2020 Avg. 30yFix Rate 2020 Avg. Total Fees
QUICKEN LOANS, LLC 1,145 3.16% $5,600
Flagstar Bank, FSB 871 3.26% $5,522
UNITED WHOLESALE MORTGAGE, LLC 630 3.03% $5,948
Wells Fargo Bank, National Association 428 3.26% $3,701
MASON MCDUFFIE MORTGAGE CORPORATION 401 3.06% $7,642
BAY 345 3.28% $1,111
JPMorgan Chase Bank, National Association 234 3.15% $6,101
MOUNTAIN WEST FINANCIAL, INC. 219 3.26% $5,366
U.S. Bank National Association 207 3.32% $4,030
LOANDEPOT.COM, LLC 202 3.00% $4,268
STEARNS LENDING, LLC 193 3.15% $5,477
FINANCE OF AMERICA MORTGAGE LLC 184 3.19% $8,593
HOME POINT FINANCIAL CORPORATION 178 3.04% $6,401
AMERICAN PACIFIC MORTGAGE CORPORATION 161 3.18% $5,364
Paramount Residential Mortgage Group, Inc. 146 3.33% $4,711
Fremont Bank 125 3.38% $2,377
Commerce Home Mortgage, Inc. 122 3.38% $4,599
Bank of America, National Association 120 3.25% $4,831
ACADEMY MORTGAGE CORPORATION 117 3.37% $6,949
Sierra Pacific Mortgage Company, Inc. 107 3.37% $4,311
BAY EQUITY LLC 106 3.08% $5,028
EVERETT FINANCIAL, INC. 104 3.27% $2,151
ON Q FINANCIAL, INC. 92 3.27% $5,360
GUARANTEED RATE, INC. 90 3.20% $4,788
PROVIDENT FUNDING ASSOCIATES, L.P. 79 3.11% $4,129
MEGA CAPITAL FUNDING, INC. 75 3.06% $3,647
PREMIER MORTGAGE RESOURCES, L.L.C. 72 3.03% $5,276
GUARANTEED RATE AFFINITY, LLC 71 3.10% $4,900
PENNYMAC LOAN SERVICES, LLC 59 3.05% $6,084
CROSSCOUNTRY MORTGAGE, LLC 57 3.12% $5,133
AMERISAVE MORTGAGE CORPORATION 57 2.72% $6,177
First Republic Bank 56 2.94% $3,347
CALIBER HOME LOANS, INC. 55 3.25% $4,360
NATIONSTAR MORTGAGE LLC 53 3.29% $5,424
SUMMIT FUNDING, INC. 48 3.16% $6,135
NETWORK CAPITAL FUNDING CORPORATION 44 3.01% $4,683
BETTER MORTGAGE CORPORATION 44 2.89% $5,114
STAR ONE CREDIT UNION 44 3.29% $3,005
CELEBRITY HOME LOANS, LLC 41 3.19% $5,854
MUFG Union Bank, National Association 39 3.56% $4,661
BROKER SOLUTIONS, INC. 39 3.15% $4,648
Morgan Stanley Private Bank, National Association 39 3.04% $3,960
Citibank, National Association 38 3.16% $4,559
PLANET HOME LENDING, LLC 37 3.06% $5,514
PNC Bank, National Association 37 3.20% $6,205
GOOGAIN, INC. 37 3.15% $2,662
GUILD MORTGAGE COMPANY 36 3.24% $5,970
NEWREZ LLC 36 3.17% $6,361
PARKSIDE LENDING, LLC 36 3.10% $4,655
LENDUS, LLC 35 3.38% $5,741
Charles Schwab Bank, SSB 35 2.83% $3,755
AMERICAN FINANCIAL NETWORK, INC. 33 3.09% $7,341
Bank of the West 31 3.50% $4,951
WINNPOINTE CORPORATION 30 2.88% $849
THE GOLDEN 1 30 3.07% $4,525
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 29 3.13% $4,691
CMG MORTGAGE, INC. 28 3.09% $5,574
A&D Mortgage LLC 27 3.09% $5,437
Watermark Capital, Inc. 27 2.79% $2,899
MUTUAL OF OMAHA MORTGAGE, INC. 25 3.19% $3,589
JMAC LENDING, INC. 25 3.11% $6,145
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 24 3.15% $3,555
DATA MORTGAGE, INC. 24 3.08% $6,168
SEA WEST COAST GUARD FEDERAL CREDIT UNION 24 3.01% $13,665
LADERA LENDING, INC. 23 2.95% $3,436
CHERRY CREEK MORTGAGE, LLC 23 2.97% $922
General Mortgage Capital Corporation 23 3.25% $3,494
Strong Home Mortgage, LLC 23 3.05% $1,506
Provident Credit Union 22 3.01% $3,874
Ally Bank 22 3.08% $7,498
PRIMELENDING, A PLAINSCAPITAL COMPANY 21 3.31% $8,621
ONY GLO, INC. 20 3.09% $3,113
FREEDOM MORTGAGE CORPORATION 19 3.43% $2,734
S1L, Inc. 19 3.01% $4,064
IMPAC MORTGAGE CORP. 18 3.17% $1,171
Prosperity Home Mortgage, LLC 17 3.31% $4,494
MERIWEST MORTGAGE COMPANY, LLC 17 3.24% $4,054
STANFORD Federal Credit Union 16 3.34% $6,440
HOMEBRIDGE FINANCIAL SERVICES, INC. 16 3.13% $6,841
PATELCO 15 3.55% $3,987
NBKC BANK 14 3.17% $1,980
Axos Bank 13 3.26% $3,511
FIRST TECHNOLOGY 13 3.20% $5,530
UBS Bank USA 13 3.34% $3,990
LAND HOME FINANCIAL SERVICES, INC. 13 3.09% $5,548
First Savings Bank 12 3.46% $4,226
MICHIGAN MUTUAL, INC. 12 3.33% $4,355
HighTechLending Inc 11 3.17% $8,185
PRIVATE MORTGAGE ADVISORS, LLC 11 3.24% $3,825
PACIFIC SERVICE 11 3.29% $3,521
DRAPER AND KRAMER MORTGAGE CORP. 11 3.06% $8,069
The Loan Store, Inc. 11 2.92% $2,828
Comerica Bank 10 3.09% $2,336
North American Savings Bank, F.S.B. 10 2.81% $2,014
PREMIER LENDING, INC. 10 3.19% $4,910
FirstBank 9 3.07% $1,713
SOVEREIGN LENDING GROUP INCORPORATED 9 2.93% $5,162
USAA Federal Savings Bank 9 3.57% $7,074
ANGEL OAK MORTGAGE SOLUTIONS LLC 9 4.37% $10,978
GENEVA FINANCIAL, LLC 9 3.25% $7,018
DIGNIFIED HOME LOANS, LLC 9 3.38% $5,372
NMSI, INC. 8 3.27% $9,903
The Federal Savings Bank 8 3.16% $8,661
Golden Empire Mortgage, Inc. 8 2.98% $2,694
KeyBank National Association 8 3.16% $8,907
ZILLOW HOME LOANS, LLC 8 3.02% $2,732
Silicon Valley Bank 8 2.77% $3,313
NAVY FEDERAL CREDIT UNION 8 3.28% $7,405
ARK-LA-TEX FINANCIAL SERVICES, LLC. 8 3.37% $6,081
MOVEMENT MORTGAGE, LLC 8 3.19% $3,519
BBVA USA 7 3.25% $10,688
Stifel Bank and Trust 7 2.80% $2,533
First Guaranty Mortgage Corporation 7 2.95% $2,428
AMERICAN INTERNET MORTGAGE, INC. 7 3.41% $2,559
CIT Bank, National Association 7 3.99% $5,819
Umpqua Bank 7 3.55% $3,901
NEXERA HOLDING LLC 7 3.30% $5,946
Prime Choice Funding Inc. 7 3.07% $2,669
PLAZA HOME MORTGAGE, INC. 7 3.05% $5,308
Cf Bank, National Association 6 2.90% $1,848
Amerifirst Financial, Inc. 6 3.15% $4,212
NATIONS DIRECT MORTGAGE, LLC 6 3.19% $6,702
Northpointe Bank 6 2.99% $2,949
Wyndham Capital Mortgage, Inc. 6 3.00% $3,299
KEYPOINT 6 3.21% $4,005
TIAA, FSB 6 3.40% $4,679
SNAPFI, INC. 6 3.13% $2,690
BNC National Bank 6 3.00% $2,852
BAY-VALLEY MORTGAGE GROUP 6 3.25% $8,964
City National Bank 5 3.27% $4,171
LOANSNAP, INC. 5 3.27% $3,792
First Mortgage Solutions, LLC 5 2.73% $3,402
LENOX FINANCIAL MORTGAGE CORPORATION 5 3.28% $3,310
ARC HOME LLC 5 3.35% $2,911
ALAMEDA MORTGAGE CORPORATION 5 3.13% $7,510
OCMBC, INC. 5 3.20% $4,627
SOFI LENDING CORP. 5 2.98% $4,217
PRIMARY RESIDENTIAL MORTGAGE, INC. 5 3.02% $5,958
LENDERFI, INC. 5 2.88% $1,143
TECHNOLOGY 5 3.38% $4,042
Barrington Bank & Trust Company, N.A. 5 3.35% $3,334
ENVOY MORTGAGE, LTD 5 3.60% $8,362
Citadel Servicing Corporation 4 5.56% $15,896
FBC MORTGAGE, LLC 4 3.62% $6,302
Cornerstone First Mortgage, Inc 4 2.91% $5,130
PHH Mortgage Corporation 4 3.25% $6,342
HSBC BANK USA, NATIONAL ASSOCIATION 4 2.91% $4,786
MORTGAGE CAPITAL PARTNERS, INC. 4 3.16% $4,006
Nations Lending Corporation 4 3.06% $8,839
InterContinental Capital Group, Inc 4 2.72% $5,878
Goldman Sachs Bank USA 4 3.05% $2,748
SPRING EQ, LLC 4 2.88% $2,470
CHURCHILL MORTGAGE CORPORATION 4 3.69% $6,798
Florida Capital Bank, National Association 4 3.38% $3,925
Kwik Mortgage Corporation 4 2.78% $1,220
Ameris Bank 4 3.19% $3,028
FISHER FINANCIAL GROUP, INCORPORATED 4 3.34% $3,640
LOANFLIGHT LENDING, LLC 3 3.04% $1,190
Truist Bank 3 3.63% $3,336
HOMEOWNERS FINANCIAL GROUP USA, LLC 3 3.46% $5,697
First Western Trust Bank 3 3.21% $2,962
BOKF, National Association 3 3.21% $2,952
First Internet Bank of Indiana 3 3.25% $5,190
FIRST CHOICE LOAN SERVICES INC. 3 3.37% $4,256
KELLER MORTGAGE, LLC 3 2.92% $6,238
FIRST CENTENNIAL MORTGAGE CORPORATION 3 2.92% $4,337
Bank of England 3 3.42% $8,913
Firefighters First Federal Credit Union 3 2.79% $1,787
PENTAGON FEDERAL CREDIT UNION 3 3.42% $6,156
Franklin Loan Corporation 3 3.42% $3,844
LOANPAL, LLC 3 3.04% $7,139
SUN WEST MORTGAGE COMPANY, INC. 3 3.29% $1,392
Merchants Bank of Indiana 3 3.04% $2,934
Evolve Bank & Trust 3 3.04% $1,648
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 3 3.79% $6,928
SUMMIT MORTGAGE BANKERS INC. 3 3.58% $2,681
Citizens Bank, National Association 3 3.13% $3,264
Summit Mortgage Corporation 2 3.50% $5,391
ADVANCIAL 2 5.31% $2,330
Amalgamated Bank 2 2.63% $5,228
AMERICAN FINANCING CORPORATION 2 3.38% $6,298
ATHAS CAPITAL GROUP, INC. 2 6.00% $15,848
BNB FINANCIAL INC. 2 2.88% $3,042
CALCON MUTUAL MORTGAGE LLC 2 2.75% $5,528
CANOPY MORTGAGE, LLC 2 3.38% $2,145
Capital Bank, National Association 2 3.19% $2,866
Carrington Mortgage Services, LLC 2 3.25% $4,663
Cathay Bank 2 4.63% $6,012
CHEVRON 2 3.19% $2,806
COAST 2 COAST FUNDING GROUP, INC. 2 3.50% $10,807
CUSTOMER SERVICE MORTGAGE CORPORATION 2 2.50% $3,223
EXCITE Credit Union 2 2.75% $3,590
Fifth Third Bank, National Association 2 3.38% $4,426
Financial Funding Solutions, Inc. 2 2.81% $4,847
First Bank 2 3.50% $4,211
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 3.18% $5,263
Goldwater Bank, N.A. 2 2.94% $7,193
HOME APPROVALS DIRECT, INC. 2 3.94% $7,719
HOMESTEAD FUNDING CORP. 2 3.19% $3,803
JMJ FINANCIAL GROUP 2 3.81% $3,707
KD CAPITAL MORTGAGE CORPORATION 2 2.81% $3,564
LOANLEADERS OF AMERICA, INC. 2 3.00% $3,326
Magnolia Bank 2 3.50% $3,626
PANORAMA MORTGAGE GROUP, LLC 2 3.06% $3,968
PIKE CREEK MORTGAGE SERVICES, INC. 2 2.56% $2,686
Raymond James Bank, National Association 2 3.25% $3,141
San Mateo Credit Union 2 3.06% $0
SANTA CLARA COUNTY 2 3.38% $2,881
Semper Home Loans, Inc. 2 2.63% $1,917
Servion, Inc. 2 3.19% $3,848
Sterling Bank and Trust, FSB 2 3.44% $8,227
1ST RELIANT HOME LOANS, INC. 2 2.87% $2,475
SWBC MORTGAGE CORPORATION 2 3.13% $3,607
TOWNE MORTGAGE COMPANY 2 3.13% $2,212
TRI-EMERALD FINANCIAL GROUP, INC. 2 2.69% $2,404
UMB Bank, National Association 2 2.75% $1,911
UNITED MORTGAGE CORP. 2 2.94% $2,751
VANDERBILT MORTGAGE AND FINANCE, INC. 2 2.88% $2,100
Washington Trust Bank 2 3.25% $3,757
Mechanics Bank 1 3.25% $2,594
Manufacturers and Traders Trust Company 1 3.50% $4,236
Luxury Mortgage Corp. 1 3.13% $7,486
LENDSURE MORTGAGE CORP. 1 7.50% $18,082
KBHS HOME LOANS, LLC 1 3.38% $3,061
Bethpage Federal Credit Union 1 3.25% $3,362
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 4.25% $4,201
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 2.88% $2,853
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.75% $4,371
ROYAL UNITED MORTGAGE LLC 1 4.25% $3,622
ISERVE RESIDENTIAL LENDING, LLC 1 3.50% $3,392
SAFEAMERICA CREDIT UNION 1 3.50% $3,120
SAFE CREDIT UNION 1 3.50% $2,734
Bell Bank 1 4.38% $2,926
Arvest Bank 1 3.38% $2,001
SCENIC OAKS FUNDING, INC. 1 2.88% $3,805
INTELLILOAN, INC. 1 2.69% $0
USE Credit Union 1 3.38% $2,574
ABSOLUTE HOME MORTGAGE CORPORATION 1 2.88% $3,044
Hometown Equity Mortgage, LLC 1 3.38% $3,265
HomeStreet Bank 1 3.38% $12,197
HOMESIDE FINANCIAL, LLC 1 2.63% $4,080
GRANDE HOMES, INC. 1 2.75% $1,575
GEO-CORP, INC. 1 2.75% $7,969
First National Bank of Omaha 1 3.75% $4,524
SRE MORTGAGE ALLIANCE INC. 1 3.75% $3,861
FAY SERVICING, LLC 1 3.50% $3,665
Equity Prime Mortgage LLC 1 3.13% $3,588
EMBRACE HOME LOANS, INC. 1 3.25% $3,190
V.I.P. MORTGAGE, INC. 1 2.88% $3,123
ST FIN CORP 1 3.13% $12,140
DIRECT MORTGAGE, CORP. 1 3.25% $5,322
DIGITAL Federal Credit Union 1 3.50% $2,370
DAS Acquisition Company, LLC 1 2.75% $3,211
COUNTRY CLUB MORTGAGE, INC. 1 2.88% $3,783
Zions Bancorporation, N.A. 1 2.88% $5,583
CONSUMERS COOPERATIVE CREDIT UNION 1 3.50% $2,761
ANGEL OAK HOME LOANS LLC 1 3.50% $6,849
TCF National Bank 1 3.63% $4,201
Columbia State Bank 1 2.88% $3,434
COASTAL FUNDING SLC, INC. 1 3.38% $2,894
CLOSING MARK HOME LOANS 1 3.63% $11,085
CITYWIDE HOME LOANS, LLC 1 3.63% $3,238
The Northern Trust Company 1 2.38% $5,285
Third Federal Savings and Loan Association of Cleveland 1 3.29% $295
CENTRAL COAST LENDING, INC. 1 4.13% $4,964
TJC Mortgage, Inc. 1 2.50% $2,512
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 2.50% $3,249
TRAVIS CREDIT UNION 1 3.00% $2,443
Tri Counties Bank 1 4.50% $2,812
ALLIANT CREDIT UNION 1 3.50% $2,676
CAPSTONE DIRECT, INC. 1 3.50% $3,276
Boston Private Bank & Trust Company 1 3.25% $4,627
UIF CORPORATION 1 3.00% $3,335
AHL FUNDING 1 4.88% $17,089
BM Real Estate Services, Inc. 1 3.88% $4,102
UNIFY FINANCIAL Credit Union 1 3.00% $2,761
Paramount Bank 1 3.38% $0
Pacific Lending LLC 1 2.88% $3,737
ORANGE COUNTY'S CREDIT UNION 1 3.50% $2,837
OPEN MORTGAGE, LLC 1 3.50% $4,454
Performance Financial, Inc. 1 2.50% $12,042
NFM, INC. 1 3.13% $4,955
XCEED FINANCIAL 1 3.00% $12,790
NexBank 1 3.13% $2,234
NATIONS RELIABLE LENDING, LLC 1 3.13% $1,486
Mortgage Research Center, LLC 1 2.88% $4,365
MORTGAGE ACCESS CORP. 1 3.75% $2,974
MORIA DEVELOPMENT, INC. 1 3.63% $6,322
MLD MORTGAGE INC. 1 2.50% $2,893
MID-VALLEY SERVICES, INC. 1 2.88% $3,281
MID AMERICA MORTGAGE, INC. 1 2.75% $2,607

SANTA CRUZ-WATSONVILLE, CA's 291 lenders originated 13,324 loans during 2020. The total origination value was $6,940,130,000, with an average loan value of $520,874.

The top SANTA CRUZ - WATSONVILLE lender as defined by loan originations is QUICKEN LOANS, LLC, with 1,145 loans originated. Their average total fees are $5,600, which is $78 higher than the next largest lender, Flagstar Bank, FSB.

The lowest fee SANTA CRUZ - WATSONVILLE lenders (with over 10 loans originated) are WINNPOINTE CORPORATION ($849), CHERRY CREEK MORTGAGE, LLC ($922), BAY ($1,111), IMPAC MORTGAGE CORP. ($1,171) and Strong Home Mortgage, LLC ($1,506).

The lowest rate SANTA CRUZ - WATSONVILLE lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.72%), Watermark Capital, Inc. (2.79%), North American Savings Bank, F.S.B. (2.81%), Charles Schwab Bank, SSB (2.83%) and WINNPOINTE CORPORATION (2.88%).

SANTA CRUZ-WATSONVILLE, CA Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2019 Loan Value 2020 Loan Value % Change 2020 Market Share
Quicken Loans $296,015,000 $827,220,000 179.5% 11.9%
Flagstar Bank $270,105,000 $541,710,000 100.6% 7.8%
United Shore Financial Services LLC $225,455,000 $390,605,000 73.3% 5.6%
WELLS FARGO BANK NA $341,570,000 $357,385,000 4.6% 5.1%
Mason-McDuffie Mortgage Corporation $115,260,000 $238,210,000 106.7% 3.4%
JPMorgan Chase Bank, NA $146,225,000 $196,450,000 34.3% 2.8%
US BANK, N.A. $126,150,000 $182,050,000 44.3% 2.6%
KeyBank National Association $152,365,000 n/a 2.2%
Bank of America NA $147,915,000 $141,875,000 -4.1% 2.0%
loanDepot LLC $68,130,000 $140,990,000 106.9% 2.0%
Mountain West Financial Inc. $55,140,000 $123,130,000 123.3% 1.8%
Stearns Lending $60,435,000 $122,490,000 102.7% 1.8%
Home Point Financial Corporation $9,725,000 $121,040,000 1,144.6% 1.7%
Finance of America Mortgage LLC $54,815,000 $113,555,000 107.2% 1.6%
American Pacific Mortgage Corporation $46,950,000 $109,170,000 132.5% 1.6%
Citibank, N.A. $22,320,000 $91,390,000 309.5% 1.3%
FIRST REPUBLIC BANK $44,605,000 $79,990,000 79.3% 1.2%
Commerce Home Mortgage Inc. $38,595,000 $78,095,000 102.3% 1.1%
Guaranteed Rate Inc. $29,580,000 $73,725,000 149.2% 1.1%
Bay Equity LLC $14,500,000 $72,605,000 400.7% 1.0%
Fremont Bank $35,525,000 $72,205,000 103.3% 1.0%
Paramount Residential Mortgage Group Inc. $28,440,000 $70,425,000 147.6% 1.0%
Academy Mortgage Corporation $35,800,000 $68,155,000 90.4% 1.0%
Sierra Pacific Mortgage $51,850,000 $60,070,000 15.9% 0.9%
Supreme Lending/ Everett Financial Inc. $20,955,000 $59,105,000 182.1% 0.9%
On Q Financial Inc. $30,100,000 $48,980,000 62.7% 0.7%
PENNYMAC LOAN SERVICES LLC $13,160,000 $48,245,000 266.6% 0.7%
Guaranteed Rate Affinity LLC $31,740,000 $47,465,000 49.5% 0.7%
Provident Funding Associates $39,990,000 $47,130,000 17.9% 0.7%
Nationstar Mortgage $18,025,000 $46,360,000 157.2% 0.7%
BANK OF THE WEST $50,000,000 $45,160,000 -9.7% 0.7%
Premier Mortgage Resources LLC $43,465,000 n/a 0.6%
Freedom Mortgage Corporation $20,440,000 $42,260,000 106.8% 0.6%
Caliber Home Loans Inc $24,475,000 $41,815,000 70.8% 0.6%
Star One Credit Union $24,970,000 $39,125,000 56.7% 0.6%
Charles Schwab Bank $22,850,000 $36,790,000 61.0% 0.5%
PNC BANK NA $22,610,000 $36,590,000 61.8% 0.5%
Morgan Stanley Private Bank NA $37,420,000 $36,375,000 -2.8% 0.5%
MUFG Union Bank, NA $65,465,000 $36,315,000 -44.5% 0.5%
Amerisave Mortgage Corporation $4,170,000 $34,190,000 719.9% 0.5%
First Foundation Bank $1,045,000 $32,955,000 3,053.6% 0.5%
Better Mortgage Corporation $6,545,000 $32,705,000 399.7% 0.5%
Summit Funding Inc. $25,645,000 $31,860,000 24.2% 0.5%
The Golden 1 Credit Union $4,800,000 $29,570,000 516.0% 0.4%
NEWREZ LLC $9,885,000 $28,920,000 192.6% 0.4%
Midwest Equity Mortgage LLC $4,620,000 $27,870,000 503.2% 0.4%
New American Funding (dba for Broker Solutions Inc) $12,140,000 $25,355,000 108.9% 0.4%
COMERICA BANK $27,165,000 $25,205,000 -7.2% 0.4%
Planet Home Lending LLC $9,130,000 $23,505,000 157.4% 0.3%
Guild Mortgage Company $10,870,000 $23,180,000 113.2% 0.3%
FAIRWAY INDEPENDENT MORT CORP $7,025,000 $22,770,000 224.1% 0.3%
Cardinal Financial Company LP $8,795,000 $22,005,000 150.2% 0.3%
American Financial Network Inc. $9,035,000 $21,430,000 137.2% 0.3%
Parkside Lending LLC $1,945,000 $21,335,000 996.9% 0.3%
CMG Mortgage Inc. $5,870,000 $20,430,000 248.0% 0.3%
Googain Inc. $2,030,000 $20,210,000 895.6% 0.3%
LendUS LLC dba RPM Mortgage $9,590,000 $20,010,000 108.7% 0.3%
Synergy One Lending $18,300,000 $20,005,000 9.3% 0.3%
Network Capital Funding Corporation $2,225,000 $19,230,000 764.3% 0.3%
Sea West Coast Guard Federal Credit Union $8,390,000 $18,785,000 123.9% 0.3%
Interactive Mortgage $3,360,000 $18,450,000 449.1% 0.3%
UBS Bank USA $14,490,000 $17,940,000 23.8% 0.3%
HighTechLending Inc. $5,700,000 $16,505,000 189.6% 0.2%
Jones Lang LaSalle Multifamily $16,505,000 n/a 0.2%
General Mortgage Capital Corporation $3,555,000 $15,900,000 347.3% 0.2%
PRIMELENDING $14,455,000 $15,455,000 6.9% 0.2%
Patelco Credit Union $9,270,000 $15,315,000 65.2% 0.2%
Provident Credit Union $6,775,000 $15,165,000 123.8% 0.2%
HomeBridge Financial Services, Inc. $12,055,000 $15,110,000 25.3% 0.2%
Stanford Federal Credit Union $7,455,000 $14,340,000 92.4% 0.2%
Ladera Lending, Inc. $2,830,000 $14,315,000 405.8% 0.2%
Watermark Home Loans $1,645,000 $14,080,000 755.9% 0.2%
Greystone Servicing Corporation, Inc. $14,055,000 n/a 0.2%
Essex Mortgage $8,825,000 $12,800,000 45.0% 0.2%
Finance of America Reverse LLC $14,050,000 $12,595,000 -10.4% 0.2%
JMAC Lending Incorporated $13,410,000 $12,375,000 -7.7% 0.2%
RED MORTGAGE CAPITAL, LLC $12,315,000 n/a 0.2%
A&D Mortgage LLC $11,595,000 n/a 0.2%
Prosperity Home Mortgage LLC $1,170,000 $11,425,000 876.5% 0.2%
Cherry Creek Mortgage Co. Inc. $3,735,000 $11,400,000 205.2% 0.2%
First Technology Credit Union $3,965,000 $11,350,000 186.3% 0.2%
Bellwether Enterprise Real Estate Capital LLC $10,910,000 n/a 0.2%
OGI Mortgage Bankers $4,075,000 $10,780,000 164.5% 0.2%
Impac Mortgage Corp. dba CashCall Mortgage $20,280,000 $10,575,000 -47.9% 0.2%
USAA FEDERAL SAVINGS BANK $7,945,000 $10,380,000 30.6% 0.1%
Meriwest Mortgage Co. LLC $3,790,000 $10,340,000 172.8% 0.1%
Axos Bank $3,260,000 $10,200,000 212.9% 0.1%
BANK OF STOCKTON $9,905,000 n/a 0.1%
Premier Lending Inc. $2,110,000 $9,735,000 361.4% 0.1%
Mortgage Research Center LLC $6,100,000 $8,755,000 43.5% 0.1%
NBKC Bank $5,825,000 $8,735,000 50.0% 0.1%
First Savings Bank $1,155,000 $8,630,000 647.2% 0.1%
AAG $5,585,000 $8,590,000 53.8% 0.1%
TCF National Bank $11,315,000 $8,315,000 -26.5% 0.1%
Capital One, NA $2,755,000 $8,210,000 198.0% 0.1%
CIT BANK N.A. $3,150,000 $8,140,000 158.4% 0.1%
Silicon Valley Bank $3,740,000 $7,970,000 113.1% 0.1%
AimLoan.com $3,990,000 $7,935,000 98.9% 0.1%
Draper and Kramer Mortgage Corp. $7,715,000 n/a 0.1%
AmWest Funding Corp. $6,000,000 $7,700,000 28.3% 0.1%
NAVY FEDERAL CREDIT UNION $9,600,000 $7,550,000 -21.4% 0.1%
The Federal Savings Bank $355,000 $7,545,000 2,025.4% 0.1%
Technology Credit Union $7,265,000 $7,240,000 -0.3% 0.1%
Private Mortgage Advisors, LLC $2,390,000 $7,155,000 199.4% 0.1%
Land Home Financial Services Inc. $2,660,000 $7,060,000 165.4% 0.1%
CARRINGTON MORTGAGE SERVICES $3,515,000 $6,760,000 92.3% 0.1%
Michigan Mutual, Inc. DBA MiMutual Mortgage $13,570,000 $6,745,000 -50.3% 0.1%
TIAA, FSB $13,795,000 $6,730,000 -51.2% 0.1%
Northpointe Bank $1,195,000 $6,590,000 451.5% 0.1%
North American Savings Bank $1,410,000 $6,560,000 365.2% 0.1%
Geneva Financial LLC $1,220,000 $6,545,000 436.5% 0.1%
Lakeview Loan Servicing, LLC $3,610,000 $6,475,000 79.4% 0.1%
COMPASS BANK $3,685,000 $6,390,000 73.4% 0.1%
Pacific Service Credit Union $1,570,000 $6,180,000 293.6% 0.1%
BNC NATIONAL BANK $445,000 $5,845,000 1,213.5% 0.1%
Sun West Mortgage Company Inc. $1,580,000 $5,800,000 267.1% 0.1%
BOKF NA $2,510,000 $5,790,000 130.7% 0.1%
City National Bank $600,000 $5,765,000 860.8% 0.1%
MOVEMENT MORTGAGE, LLC $1,180,000 $5,630,000 377.1% 0.1%
Golden Empire Mortgage, Inc. $5,590,000 n/a 0.1%
FirstBank $1,505,000 $5,395,000 258.5% 0.1%
Envoy Mortgage Ltd. $1,755,000 $5,355,000 205.1% 0.1%
Umpqua Bank $7,015,000 $5,290,000 -24.6% 0.1%
Nexera Holding LLC $3,395,000 $5,275,000 55.4% 0.1%
Angel Oak Mortgage Solutions $1,155,000 $5,245,000 354.1% 0.1%
Ark-La-Tex Financial Services LLC $855,000 $5,165,000 504.1% 0.1%
Alliant Credit Union $4,295,000 $5,075,000 18.2% 0.1%
First Guaranty Mortgage Corporation $635,000 $4,935,000 677.2% 0.1%
Dignified Home Loans, LLC $1,545,000 $4,895,000 216.8% 0.1%
San Francisco Fire Credit Union $950,000 $4,890,000 414.7% 0.1%
Ethos Lending LLC $1,925,000 $4,815,000 150.1% 0.1%
Sovereign Lending Group, Inc $4,720,000 n/a 0.1%
SoFi Lending Corp $1,140,000 $4,660,000 308.8% 0.1%
Plaza Home Mortgage Inc. $2,490,000 $4,650,000 86.7% 0.1%
Goldman Sachs Bank USA $2,760,000 $4,480,000 62.3% 0.1%
Cf Bank National Association $970,000 $4,455,000 359.3% 0.1%
KeyPoint Credit Union $4,480,000 $4,365,000 -2.6% 0.1%
LUTHER BURBANK SAVINGS $4,345,000 $4,280,000 -1.5% 0.1%
PHH MORTGAGE CORPORATION $4,280,000 n/a 0.1%
OCMBC Inc. $1,240,000 $4,230,000 241.1% 0.1%
NMSI Inc $4,195,000 n/a 0.1%
FBC Mortgage LLC $495,000 $4,035,000 715.2% 0.1%
Pentagon Federal Credit Union $2,620,000 $3,995,000 52.5% 0.1%
BM REAL ESTATE SERVICES, INC. $710,000 $3,975,000 459.9% 0.1%
Amerifirst Financial Inc. $3,050,000 $3,910,000 28.2% 0.1%
NewDay Financial LLC dba NewDay USA $3,900,000 n/a 0.1%
Primary Residential Mortgage Inc. $740,000 $3,870,000 423.0% 0.1%
WALKER & DUNLOP, LLC $3,705,000 n/a 0.1%
Mortgage Lenders of America LLC $3,685,000 n/a 0.1%
Citadel Servicing Corporation $4,275,000 $3,540,000 -17.2% 0.1%
Village Capital & Investment $1,615,000 $3,420,000 111.8% 0.0%
Bay Valley Mortgage Group DBA Pacific Bay Lending Group $1,715,000 $3,400,000 98.3% 0.0%
Prime Choice Funding, Inc. $3,360,000 n/a 0.0%
Nations Direct Mortgage LLC $1,870,000 $3,340,000 78.6% 0.0%
Wyndham Capital Mortgage $1,635,000 $3,300,000 101.8% 0.0%
Barrington Bank & Trust $2,380,000 $3,235,000 35.9% 0.0%
WEI Mortgage LLC $485,000 $3,065,000 532.0% 0.0%
Churchill Mortgage Corporation $3,045,000 n/a 0.0%
Stifel Bank and Trust $285,000 $3,035,000 964.9% 0.0%
Mechanics Bank $4,175,000 $2,995,000 -28.3% 0.0%
Open Mortgage LLC $475,000 $2,985,000 528.4% 0.0%
CATHAY BANK $2,900,000 n/a 0.0%
Alameda Mortgage Corporation $2,820,000 n/a 0.0%
Reverse Mortgage Funding LLC $6,010,000 $2,820,000 -53.1% 0.0%
SnapFi, Inc. $375,000 $2,810,000 649.3% 0.0%
Branch Banking And Trust Co $655,000 $2,720,000 315.3% 0.0%
LoanPal $4,490,000 $2,700,000 -39.9% 0.0%
AmeriHomeMortgageCompany,LL $2,680,000 n/a 0.0%
HSBC BANK USA, NA $4,990,000 $2,630,000 -47.3% 0.0%
Alaska USA Federal Credit Union $2,485,000 n/a 0.0%
Nations Lending Corporation $2,200,000 $2,485,000 13.0% 0.0%
Meriwest Credit Union $1,640,000 $2,425,000 47.9% 0.0%
Third Federal Savings and Loan $4,235,000 $2,390,000 -43.6% 0.0%
First Mortgage Solutions LLC $1,325,000 $2,385,000 80.0% 0.0%
Hometown Equity Mortgage LLC $905,000 $2,385,000 163.5% 0.0%
Intercontinental Capital Group, Inc. $555,000 $2,380,000 328.8% 0.0%
The Northern Trust Company $2,365,000 n/a 0.0%
Florida Capital Bank National Association $2,320,000 n/a 0.0%
Kwik Mortgage Corp. $2,275,000 n/a 0.0%
First Internet Bank $455,000 $2,205,000 384.6% 0.0%
LenderFi, Inc. $3,660,000 $2,195,000 -40.0% 0.0%
LoanSnap Inc $1,435,000 $2,185,000 52.3% 0.0%
Merchants Bank of Indiana $2,125,000 n/a 0.0%
AMERIS BANK $1,295,000 $2,090,000 61.4% 0.0%
Evolve Bank & Trust $2,055,000 n/a 0.0%
SPRING EQ, LLC $1,050,000 $2,030,000 93.3% 0.0%
Raymond James Bank National Association $2,020,000 n/a 0.0%
Opus Bank $2,005,000 n/a 0.0%
Santa Clara County Federal Credit Union $3,265,000 $1,990,000 -39.1% 0.0%
Toyota Financial Savings Bank $1,855,000 $1,985,000 7.0% 0.0%
Lenox Financial Mortgage Corp. $435,000 $1,940,000 346.0% 0.0%
Goldwater Bank National Association $1,925,000 n/a 0.0%
Cstone Mortgage Inc $1,880,000 n/a 0.0%
Evergreen Moneysource Mortgage Company $345,000 $1,875,000 443.5% 0.0%
Keller Mortgage LLC $1,830,000 n/a 0.0%
Firefighters First Credit Union $135,000 $1,810,000 1,240.7% 0.0%
Home First Mortgage Bankers $870,000 $1,800,000 106.9% 0.0%
METROPOLITAN HOME MORTGAGE $1,785,000 n/a 0.0%
NationsChoice Mortgage $1,770,000 n/a 0.0%
Mortgage Capital Partners Inc $1,740,000 n/a 0.0%
Val-Chris Investments Inc $1,730,000 n/a 0.0%
First Choice Loan Services Inc. $3,090,000 $1,715,000 -44.5% 0.0%
Homestead Funding Corp. $415,000 $1,710,000 312.0% 0.0%
American Financing Corporation $450,000 $1,630,000 262.2% 0.0%
Star Financial $1,605,000 n/a 0.0%
KS StateBank $1,185,000 $1,580,000 33.3% 0.0%
Connexus Credit Union $355,000 $1,565,000 340.8% 0.0%
CBNA $710,000 $1,560,000 119.7% 0.0%
JMJ Financial Group Inc. $1,690,000 $1,500,000 -11.2% 0.0%
Bank of England $2,320,000 $1,485,000 -36.0% 0.0%
First Western Trust Bank $1,370,000 $1,465,000 6.9% 0.0%
S.F. Police Credit Union $1,465,000 n/a 0.0%
Towne Mortgage Company $1,455,000 n/a 0.0%
UMB BANK NA $1,455,000 n/a 0.0%
Mackillie Inc $1,580,000 $1,430,000 -9.5% 0.0%
First Centennial Mortgage Corp. $1,380,000 $1,415,000 2.5% 0.0%
Calculated Risk Analytics LLC dba Excelerate Capital $2,995,000 $1,405,000 -53.1% 0.0%
The First State Bank $1,365,000 $1,380,000 1.1% 0.0%
Tri-Emerald Financial Group Inc. $365,000 $1,375,000 276.7% 0.0%
Washington Trust Bank $1,340,000 n/a 0.0%
CalCon Mutual Mortgage LLC $1,300,000 n/a 0.0%
Xceed Financial Credit Union $1,300,000 n/a 0.0%
San Mateo Credit Union $785,000 $1,295,000 65.0% 0.0%
All Reverse Mortgage Inc $1,285,000 n/a 0.0%
Summit mortgage Bankers, Inc. $1,285,000 n/a 0.0%
Coast 2 Coast Funding Group Inc. $1,280,000 n/a 0.0%
Homeowners Financial Group $535,000 $1,280,000 139.3% 0.0%
ARVEST BANK $1,755,000 $1,245,000 -29.1% 0.0%
Advancial Federal Credit Union $950,000 $1,230,000 29.5% 0.0%
SWBC Mortgage Corporation $1,230,000 n/a 0.0%
Community West Bank NA $1,185,000 $1,225,000 3.4% 0.0%
Low VA Rates $325,000 $1,225,000 276.9% 0.0%
Pivotal Capital Group II LLC $705,000 $1,220,000 73.0% 0.0%
TRI COUNTIES BANK $1,210,000 n/a 0.0%
Lantzman Lending $1,205,000 n/a 0.0%
Liberty Home Equity Solutions, Inc. $905,000 $1,205,000 33.1% 0.0%
One Reverse Mortgage, LLC $1,395,000 $1,190,000 -14.7% 0.0%
5th Street Capital, Inc. $2,225,000 $1,165,000 -47.6% 0.0%
LIMA ONE CAPITAL, LLC $1,165,000 n/a 0.0%
HOMEXPRESS MORTGAGE CORP. $6,310,000 $1,160,000 -81.6% 0.0%
UNIFY Financial Credit Union $455,000 $1,155,000 153.8% 0.0%
Financail Funding Solutions, Inc $1,150,000 n/a 0.0%
Boston Private Bank & Trust Company $465,000 $1,145,000 146.2% 0.0%
Amalgamated Bank $1,310,000 $1,140,000 -13.0% 0.0%
BNB Financial Inc $1,120,000 n/a 0.0%
TJC Mortgage, Inc. $1,110,000 n/a 0.0%
Summit Mortgage Corporation $1,290,000 $1,105,000 -14.3% 0.0%
Equity Prime Mortgage LLC $1,100,000 n/a 0.0%
Athas Capital Group $1,845,000 $1,090,000 -40.9% 0.0%
Clearpath Lending $1,485,000 $1,080,000 -27.3% 0.0%
Servion, Inc. $1,060,000 n/a 0.0%
Sterling Bank and Trust, FSB $155,000 $1,035,000 567.7% 0.0%
Murphy Bank $2,235,000 $1,020,000 -54.4% 0.0%
PremierOne Credit Union $1,605,000 $1,015,000 -36.8% 0.0%
AKT American Capital Inc $1,315,000 $1,010,000 -23.2% 0.0%
Credit Human Federal Credit Union $1,280,000 $1,005,000 -21.5% 0.0%
ZB, N.A. $2,825,000 $1,005,000 -64.4% 0.0%
Fifth Third Bank $1,000,000 n/a 0.0%
Magnolia Bank Incorporated $995,000 n/a 0.0%
LendSure Mortgage Corp $980,000 n/a 0.0%
Embrace Home Loans, Inc. $1,245,000 $970,000 -22.1% 0.0%
FJM Private Mortgage Fund, LLC $955,000 n/a 0.0%
CAPITAL BANK, NA $950,000 n/a 0.0%
Farmers Bank & Trust $950,000 n/a 0.0%
21ST MORTGAGE $1,670,000 $940,000 -43.7% 0.0%
Semper Home Loans, Inc $940,000 n/a 0.0%
Alterra Group LLC dba Alterra Home Loans $920,000 n/a 0.0%
SchoolsFirst Federal Credit Union $1,270,000 $905,000 -28.7% 0.0%
1st Reliant Home Loans, Inc $785,000 $900,000 14.6% 0.0%
Quorum Federal Credit Union $900,000 n/a 0.0%
Chevron Federal Credit Union $1,560,000 $870,000 -44.2% 0.0%
Gold Star Mortgage Financial Group, Corporation $870,000 n/a 0.0%
Mid America Mortgage Inc. $225,000 $870,000 286.7% 0.0%
Pike Creek Mortgage Services, Inc. $870,000 n/a 0.0%
Mid Valley Services Inc $860,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC $435,000 $860,000 97.7% 0.0%
Alliance Credit Union $1,145,000 $855,000 -25.3% 0.0%
Longbridge Financial, LLC $850,000 n/a 0.0%
United Mortgage Corp $850,000 $840,000 -1.2% 0.0%
Performance Financial, Inc. $825,000 n/a 0.0%
Nudge Funding LLC $800,000 n/a 0.0%
Triad Financial Services Inc $490,000 $790,000 61.2% 0.0%
Orange County's Credit Union $785,000 n/a 0.0%
Absolute Home Mortgage Corporation $780,000 n/a 0.0%
Civic Financial Services $570,000 $780,000 36.8% 0.0%
Primus Lending Corp $775,000 n/a 0.0%
Augusta Financial Inc. $1,480,000 $765,000 -48.3% 0.0%
NFM, Inc. $765,000 n/a 0.0%
Mortgage Solutions of Colorado LLC $760,000 n/a 0.0%
Redwood Trust Inc $3,315,000 $755,000 -77.2% 0.0%
Customer Service Mortgage Corporation $750,000 n/a 0.0%
Bethpage Federal Credit Union $745,000 n/a 0.0%
HomeStreet Bank $155,000 $745,000 380.6% 0.0%
Travis Credit Union $1,485,000 $745,000 -49.8% 0.0%
Scenic Oaks Funding $725,000 n/a 0.0%
KD Capital Mortgage Corp. $720,000 n/a 0.0%
American Neighborhood Mortgage dba AnnieMac Home Mortgage $375,000 $710,000 89.3% 0.0%
Luxury Mortgage Corp. $705,000 n/a 0.0%
Caltech Employees Federal Credit Union $685,000 n/a 0.0%
Consumers Credit Union $660,000 n/a 0.0%
Homeside Financial LLC $435,000 $650,000 49.4% 0.0%
Vision One Mortgage $645,000 n/a 0.0%
Peoples Mortgage Company $640,000 n/a 0.0%
Geo-Corp, Inc. $635,000 n/a 0.0%
Safeamerica Credit Union $635,000 n/a 0.0%
Discover Bank $1,265,000 $625,000 -50.6% 0.0%
Franklin Loan Center $505,000 $625,000 23.8% 0.0%
Grande Homes Inc $625,000 n/a 0.0%
Country Club Mortgage, Inc. $615,000 n/a 0.0%
iServe Residential Lending LLC $615,000 $615,000 0.0% 0.0%
Weichert Financial Services $615,000 n/a 0.0%
Farmers and Merchants Bank $605,000 n/a 0.0%
Banner Bank $585,000 n/a 0.0%
United Nations Federal Credit Union $585,000 n/a 0.0%
V.I.P. Mortgage Inc. $585,000 n/a 0.0%
Deere Employees Credit Union $45,000 $575,000 1,177.8% 0.0%
Northwest Farm Credit Services, FLCA $575,000 n/a 0.0%
Great Lakes Credit Union $95,000 $565,000 494.7% 0.0%
Polam Federal Credit Union $565,000 n/a 0.0%
Justice Federal Credit Union $560,000 n/a 0.0%
Sunflower Bank, N.A. $555,000 n/a 0.0%
M&T Bank $545,000 n/a 0.0%
Operating Engineers Federal Credit Union $1,010,000 $545,000 -46.0% 0.0%
Del Sur Corp DBA: Camino Real Mortgage Bankers $535,000 n/a 0.0%
Lakeview Community Capital, LLC $335,000 $535,000 59.7% 0.0%
Columbia State Bank $515,000 n/a 0.0%
DAS Acquisition Company, LLC $515,000 n/a 0.0%
Financial Partners Credit Union $515,000 n/a 0.0%
KBHS Home Loans, LLC $515,000 n/a 0.0%
United Northern Mortgage Bankers Limited $515,000 n/a 0.0%
Advantis Credit Union $510,000 n/a 0.0%
ANGEL OAK HOME LOANS LLC $505,000 n/a 0.0%
The First Financial Federal Credit Union $505,000 n/a 0.0%
SAFE Credit Union $495,000 n/a 0.0%
Wall Street Mortgage Bankers LTD $495,000 n/a 0.0%
UIF Corporation $485,000 n/a 0.0%
USE Credit Union $355,000 $480,000 35.2% 0.0%
American Financial Resources Inc. $850,000 $475,000 -44.1% 0.0%
E Mortgage Management LLC $475,000 n/a 0.0%
HomeTrust Bank $215,000 $475,000 120.9% 0.0%
Meridian Bank $435,000 n/a 0.0%
FIRST NATIONAL BANK OF OMAHA $425,000 n/a 0.0%
Coastal Funding SLC Inc. $425,000 $415,000 -2.4% 0.0%
Mid-Continent Funding, Inc. $725,000 $415,000 -42.8% 0.0%
Logix Federal Credit Union $410,000 n/a 0.0%
Nations Reliable Lending, LLC $405,000 n/a 0.0%
PEOPLE'S INTERMOUNTAIN BANK $405,000 n/a 0.0%
Citywide Home Loans A Utah Corporation $1,405,000 $395,000 -71.9% 0.0%
Paramount Bank $395,000 n/a 0.0%
Residential Wholesale Mortgage $1,140,000 $395,000 -65.4% 0.0%
Texana Bank, N.A. $385,000 n/a 0.0%
Digital Federal Credit Union $380,000 n/a 0.0%
EXCHANGE BANK $375,000 n/a 0.0%
Crestline Funding Corporation $335,000 n/a 0.0%
KINECTA FEDERAL CREDIT UNION $470,000 $330,000 -29.8% 0.0%
Citizens Equity First Credit Union (CEFCU) $1,630,000 $305,000 -81.3% 0.0%
Fay Servicing LLC $665,000 $305,000 -54.1% 0.0%
MLD Mortgage Inc. $295,000 n/a 0.0%
LBS Financial Credit Union $285,000 n/a 0.0%
Capstone Direct Inc. $245,000 n/a 0.0%
DIRECT MORTGAGE CORP $225,000 n/a 0.0%
Royal United Mortgage LLC $220,000 n/a 0.0%
BELL BANK $155,000 n/a 0.0%
Redwood Credit Union $1,430,000 $140,000 -90.2% 0.0%
Monterey Credit Union $55,000 $115,000 109.1% 0.0%
Service Credit Union $115,000 n/a 0.0%
California Credit Union $105,000 n/a 0.0%
State Farm Bank $105,000 $75,000 -28.6% 0.0%

SANTA CRUZ - WATSONVILLE's top lender by overall market share is Quicken Loans, with 11.9% market share. In second place, with 7.8%, is Flagstar Bank, having originated $541,710,000 in loans. In third place, with 5.6%, is United Shore Financial Services LLC, having originated $390,605,000 in loans. In third place, with 5.1%, is WELLS FARGO BANK NA, having originated $357,385,000 in loans. In third place, with 3.4%, is Mason-McDuffie Mortgage Corporation, having originated $238,210,000 in loans.


SANTA CRUZ-WATSONVILLE, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 7,697 $3,805,045,000 $494,354
Cash Out Refi 2,643 $1,251,725,000 $473,600
Home Purchase 2,168 $1,628,780,000 $751,282
Home Improvement 449 $124,835,000 $278,029
Other 367 $129,745,000 $353,529

Santa Cruz - Watsonville's most frequently cited loan purpose was Refi, with 7,697 originations. The 2nd most popular reason was Cash Out Refi, with 2,643 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 5,897 $3,284,785,000 $557,026
2.5-3% 5,277 $2,686,335,000 $509,065
<2.5% 1,296 $605,890,000 $467,508
4-5% 565 $225,325,000 $398,805
5-6% 158 $43,970,000 $278,291
6-7% 56 $19,180,000 $342,500
Over 8% 22 $9,440,000 $429,091
7-8% 16 $5,600,000 $350,000

During 2020, Santa Cruz - Watsonville's most frequently originated rate bucket was 3-4%, with 5,897 originations.

Loan Sizing (SANTA CRUZ-WATSONVILLE, CA MSA)

Loan Size Originations Total Value Average Loan
$400k-600k 4,833 $2,382,715,000 $493,010
$200k-400k 3,796 $1,182,650,000 $311,552
$600k-1000k 3,151 $2,263,165,000 $718,237
$100k-200k 757 $112,275,000 $148,316
$Over $1MM 517 $982,055,000 $1,899,526
$100,000 or less 270 $17,270,000 $63,963

SANTA CRUZ - WATSONVILLE's loan sizing saw the bucket of loans from $400k-600k with 4,833 originations, totaling $2,382,715,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
40-60% 4,535 $2,247,355,000 $495,558
60-80% 3,868 $2,654,450,000 $686,259
20-40% 2,435 $873,305,000 $358,647
80-100% 1,338 $889,390,000 $664,716
Under 20% 925 $152,315,000 $164,665
Over 100% 18 $15,850,000 $880,556

SANTA CRUZ - WATSONVILLE's loan sizing saw loans grouped in the 40-60% Loan-to-value bucket with 4,535 originations, totaling $2,247,355,000 in origination value.